SUMMARY
Employee that will accurately & efficiently perform in a professional environment and is the “face of Somerset Trust Company” to our retail branch customers by providing personable, quick service performing a set of regular procedures, as well as a variety of customer requests & transactions, including, but not limited to: check cashing and deposits, loan payments, product explanation and being able to identify opportunities to refer customers as needed. Employee will clearly & respectfully communicate with customers and have ability to resolve customer issues as they arise.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty with consistent accuracy. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Other duties may be assigned. Greet customers with a smile. Receives checks and cash for deposit, verifies amount, and examines checks for endorsements. Cashes checks and pays out money after verification of signatures and customer balances. Enters customers' transactions into computer to record transactions, and issues computer generated receipts.
Balances currency, coin, and checks in cash drawer at end of shift and compares totaled amounts with data displayed on computer screen.
Recognizes opportunities to explain, promote, or sell financial products or services offered by the bank.
Removes deposits from, and counts and balances cash in, and night depository.
Accepts loan payments.
Resolve customers issues as they arise.
EDUCATION and/or EXPERIENCE
High school diploma or general education degree (GED); or three to six months related experience and/or training; or equivalent combination of education and experience.
Ability to read and interpret documents such as procedures, operating and maintenance instructions, and security procedures. Ability to communicate clearly and respectfully communicate with customers or coworkers. Ability to write routine reports and correspondence.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent.
Ability to apply common sense to perform assigned duties and understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Displays an eagerness & ability to learn, efficiently use the technology provided, and is receptive to new ideas.
SUMMARY
Responsible for providing risk-based and objective assurance, advice and insight for key risk areas of the bank, focusing on the Fiduciary and Credit Risk areas.
ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
Understand and learn business objectives and related risks and controls primarily for the Trust and Lending areas of the Bank.
Plan, manage, perform and document audits and reviews primarily for the Trust and Lending areas. Report significant issues and potential improvements to management.
Supervise and review the activities of others assisting in the performance of these audits.
Monitor key metrics relative to the Trust and Lending areas in support of the audit risk assessment.
Participate as an ex-officio member of various Bank committees. Serve as a “Trusted Advisor” and provide guidance to management on internal control matters as needed.
Assist in other audits and reviews as assigned. Perform special projects and administrative duties, as assigned.
Assist in the development of the risk based audit plan and year-end reporting.
Assist in the coordination of the external audit and exam.
Assist, as needed, in the investigation of significant suspected fraudulent activities within the organization and notify management and the audit committee of the results.
Assist in the management of audit activities, systems, policies and procedures. Promote automation and efficiency. Implement changes and upgrades to audit practices to meet or exceed applicable industry standards such as the International Standards for the Professional Practice of Internal Auditing of The Institute of Internal Auditors.
Cooperate with, participate in, and support the adherence to all internal policies, procedures, and practices in support of risk management and overall safety and soundness and the bank’s compliance with all regulatory requirements (e.g. BSA Policy).
SUPERVISORY RESPONSIBILITIES
Supervises audit team members and available bank staff in the performance of audits. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include training employees and planning, assigning, and directing work. Promote continuous learning and growth for all employees.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
EDUCATION and/or EXPERIENCE
Bachelor’s degree in Accounting, business administration/management, finance, or equivalent from an accredited college and five years auditing and/or banking experience, including experience in the Trust and Lending areas. CFIRS certification is preferred. Other auditing certifications are a plus (e.g., CRMA, CIA, CPA, CISA). Working knowledge of Microsoft Office Products.
COMMUNICATION SKILLS
Ability to read and interpret documents such as bank policies and procedures, regulatory guidance, and banking and auditing industry guidance. Ability to document audit conclusions and write complex reports and correspondence. Ability to build relationships and facilitate collaboration with co-workers within and across departments. Ability to effectively present information to management and the audit committee
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, bonuses, etc. Ability to understand moderately complex to complex accounting estimates, projections, etc.
REASONING ABILITY
Ability to practice critical and innovative thinking. Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment, telephones, etc.; and talk or hear. The employee is occasionally required to stand, walk, and reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate.
SUMMARY
Employee’s assigned role to begin a one-two year training process to assume duties as a Branch Manager. Involves representing the bank as the “Face of Somerset Trust Company” & managing a branch or office of Somerset Trust Company by having the ability to exercise a wide range of decision making control. Employee should understand the culture and philosophy of the bank to perform their duties. This position involves local relationship networks and community knowledge. He/She is responsible for branch profitability and must be creative in generating leads and contacting customers to promote goodwill and generate business. He/She will also resolve any customer complaints and account problems. This position involves supervising personnel by preparing work schedules and expediting workflow. He/She is responsible for displaying strong leadership in the team while encouraging a positive learning environment. Employee must demonstrate professional expertise in all aspects of his/her job duties.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty with accuracy and precision. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Other duties may be assigned.
Manages overall branch office operations and is responsible for branch profitability.
Directs and coordinates activities to implement institution's policies, procedures, and practices concerning operational effectiveness.
Resolves customer complaints & works to resolve account problems.
Assists in handling of telephone inquiries.
Assists with the hiring, training, disciplining, and dismissal of staff within the branch.
Helps to establish descriptions and procedures for branch personnel. Determines work procedures, prepares work schedules, and expedites workflow.
Is responsible for branch overages and shortages.
Directs activities of workers engaged in implementing establishment services and performing such functions as opening deposit accounts, accepting loan payments, and customer service functions.
Supervises and coordinates activities of CSR engaged in handling the open accounts. Assists in the duties of the CSR in absence of personnel.
Assists in the compliance of the Bank Secrecy Act.
Must have adequate knowledge of branch audit procedures.
Knowledge of software systems to process mortgages & consumer lending within the established lending authority.
Contacts customers and business, community, and civic organizations to promote goodwill and generate new business.
Conducting creative ideas to generate leads & turn prospects into well satisfied customers.
Prepares daily and monthly reports of day-to-day operations as required.
SUPERVISORY RESPONSIBILITIES
Directly supervises employees in the Customer Service and Teller capacity. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Responsible for effectively counseling and guiding employees.
EDUCATION and/or EXPERIENCE
Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.
LANGUAGE SKILLS
Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.
MATHEMATICAL SKILLS
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, bonuses, etc.
REASONING ABILITY
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
OTHER SKILLS
Displays creative thinking, not governed by conventional thinking, ability to excel in using available technology, ability to exercise a wide range of decision making control.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit; use hands and fingers to operate office equipment such as keyboards, telephones, etc. and to talk and hear. The employee frequently is required to walk and reach with hands and arms. The employee is occasionally required to stand. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close and peripheral vision, and ability to adjust focus.
WORK ENVIRONMENT
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually moderate.
